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How much is car insurance in Alexandria?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Alexandria are about $11 a month more expensive than the rest of Virginia.
However, when compared to the national average, the cost for auto insurance in Alexandria is lower. It's around $9 less to insure your vehicle compared to the average rate for the United States as a whole.
While these are the average car insurance rates for Alexandria, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Alexandria and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay almost two times as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates begin to climb back up once you hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Alexandria, the difference comes out to about $12 per month. Looking at the table above, you can see that female drivers pay around $62 on average, while male drivers typically pay $74 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Alexandria, drivers with one accident on their record will experience rates around $78 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $93 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$79|
|15 Years or Older||$67|
In terms of affordable coverage, the cheapest vehicles to insure in Alexandria are typically SUVs.
Monthly premiums for car owners cost about $70 on average, while the rates for SUV owners are around $69.
Meanwhile, truck and van drivers typically see a monthly premium of about $70.
Your vehicle's age also plays a role in your monthly payment. Overall, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Alexandria, for example, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$72|
While single drivers normally pay more for auto insurance than married drivers do, the difference in Alexandria is only about $3 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $13 a month more than those who own their own home in Alexandria. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Alexandria, VA
Recent trends in car insurance for Alexandria drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending choosing when and where to shop.
Auto insurance rates in Alexandria rose from 2016-2017, but started to turn downward in 2018. Rates spiked back up again in 2020 and finished at $75 for 2021
How does Alexandria compare to neighboring areas?
Why are car insurance rates in Alexandria different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking availability
- Number of drivers
- Local crime rates
- Area regulations
- General road safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Alexandria?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Alexandria.
Alexandria Insurance FAQs
What factors affect car insurance quotes in Alexandria?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Alexandria different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Alexandria?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Alexandria?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Alexandria or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?